In Australia we've had free real time bank payments for four years now. I am still yet to make a bank transfer as a payment for a regular consumer purchase and

In Australia we've had free real time bank payments for four years now. I am still yet to make a bank transfer as a payment for a regular consumer purchase and have never seen it so much as offered as an option. Would you know enough about the different systems to talk about why ours hasn't touched b2c but you expect the US one to upend the cc industry?